Is it illegal to not have a cover on my car?

BREAKDOWN Insurance is a handy car insurance add-on that can get you out of a difficult situation – but is it a legal requirement?

Roadside assistance and crash coverage are often offered as add-ons when you purchase a motorcycle insurance policy – we see if you really need it.

If you don't have a crash cover, an unexpected towing or repair can cost you hundreds of dollars


If you don’t have a crash cover, an unexpected towing or repair can cost you hundreds of dollarsCredit: Getty

A shatterproof cap for your car isn’t actually a road requirement, but it can save you money in the long run.

Analysis cover is additional Car’s insurrance, cover the cost of repairing or towing your vehicle if you break down during your journey.

But many drivers in the UK don’t have it – and could face hefty costs in the event of a breakdown.

Paying a lorry driver or an unexpected car repair can cost you hundreds of pounds and disrupt your day if you need to find alternative transport.

So it might be worth spending a few hair changes each month to protect yourself from what could be a crazy expense – and a lot of inconvenience.

The RAC estimates a tow off the motorway can cost £300 or more.

Not having a break cover is against the law?

No, it’s perfectly legal that you don’t have a cover for your car.

Unlike car insurance, you are allowed to drive across the UK and Europe without incident insurance.

Politicians have considered bringing into law for years, but has failed to do so – and there’s no sign that’s going to change anytime soon.

Either way, though, it might make financial sense for you.

Picking up and towing your vehicle somewhere safe for repair is likely to cost you a high flat fee, a fee of around £2 per mile and additional costs if the recovery distance exceeds more than 10 miles.

Analytics coverage starts at £9-10 a month with key providers like RAC, AA and Green Flag.

But make sure you haggle too – follow Money saver, you can save up to £100 a year.

Is incident coverage included in my insurance?

Sometimes it does, sometimes it doesn’t.

You might get a better coverage deal if it’s in your policy – or with a provider you’re already a customer with.

If you’re not sure if you have incident coverage, check your policy to confirm.

If you are unable to view the details in your policy document, contact your provider.

But make sure you don’t buy a cover unless you know for sure you don’t already have it – it doesn’t help if you have to pay for something twice.

What should I do if I am broken?

It may seem obvious, but you can’t buy broken cover once you’ve split it.

Green Flag, AA, and RAC all have replacement numbers for those who drive damaged cars without a cover.

Fees will be higher than when you start with repair insurance – but that’s the risk you’re taking by not paying for optional protection.

However, if you already have a broken cover, just contact your supplier and they’ll come pick it up for you at no extra cost – depending on the small print in your cover policy.

When the winter was harsh and the roads became more difficult, we talk to a road expert on how to stay safe behind the wheel.

Our top winter driving tips include keeping the ice cleaner in your car and taking it slow where you think the surface might freeze.

And here’s all that’s new and coming Road law and registration You need to keep an eye on this festive season.

Woman fails driving test after ‘careless’ worker blocks view of Stoneferry traffic lights

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Caroline Bleakley

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